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1. The plaintiff's claim is dismissed.
2. The costs of lawsuit shall be borne by the Plaintiff.
Reasons
1. Basic facts
A. On May 18, 2009, the Plaintiff completed his/her business registration on the first floor of Gangnam-gu Seoul (Seoul) and obtained a business license, and operated the studio ion of the trade name of C at the same place as D around September 21, 201 (hereinafter “studio ion of this case”).
B. On April 2009, the Plaintiff entered into a credit transaction agreement with the Il Savings Bank Co., Ltd. (former trade name: Il Savings Bank Co., Ltd.; hereinafter “Seoul Savings Bank”) with the following contents:
(hereinafter referred to as "the loan contract in this case"): The credit limit amount of comprehensive passbook loan: 2 billion won: Interest rate, etc. on April 1, 2011: 18% fixed each year until the expiration date of the credit period: 30% credit implementation method: The full repayment method of the loan: The full repayment method shall be freely repaid on the date of the first installment period; however, the full repayment shall be made on the date before the expiration date or expiration date of the credit period; the interest time and method for repayment of the full repayment at the expiration date of the credit period; the payment shall be made on the settlement date of accounts each month as determined by the Bank; and in the case of comprehensive passbook loan, the compensation for damages shall be paid immediately to the amount exceeding the limit amount due to this resource, etc.
Article 5 (Agreements on Integrated Account Loans) (1) When there is any obligation under this Agreement, funds deposited into the Comprehensive Account (excluding a class of securities until the settlement of the amount, but I will transfer deposited securities, etc. to a Savings Bank as security for obligations under this Agreement) shall be automatically appropriated for the repayment of loans.
(2) When a claim is made for the payment of the original account in excess of the balance, or a request is made for the automatic payment of periodical payments, various charges, etc., the payment of loans through the original account or the automatic payment shall be made.
(3) Savings banks shall require the cost, etc. of interest.